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Rich Morrin joined AFI in October 2019 from Santander Consumer USA, where he was most recently President, Chrysler Capital & Auto Relationships. Prior to joining Santander Consumer, Mr. Morrin held a variety of management positions in 21 years of combined service at Ally Financial and General Motors Acceptance Corp/GMAC. During his tenure at Ally, he managed the commercial lending operations for Ally automotive dealers in the United States and Canada. Rich is a proven leader in consumer finance whose talent, intellect and judgment will help Aqua continue to provide superior products and customer service to our thousands of customers and dealers. Rich's deep experience in consumer lending and risk management will make an immediate impact on how we serve our customers and ensure our dealers' success.